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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,758 | $48,078-81.8% | $78,676-88.9% | $62,881-86.1% |
| Participation rate | 35.1% | 65.2%-30.1pp | 73.6%-38.4pp | 69.3%-34.2pp |
| Annual return | 4.82% | 31.36%-26.5pp | 62.19%-57.4pp | 20.14%-15.3pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,561 | $2,587-39.7% | $3,517-55.6% | $3,203-51.3% |
| Admin fee / account holder | $328 | $3,206-89.8% | $4,510-92.7% | $4,296-92.4% |